In today’s world of Net Banking, where customers are provided the facility of carrying out banking activities from the comfort of home or office, viewing accounts, or making transactions online 24*7 without any hassle, there are still some audiences who prefer visiting banks rather.
But the customers who want to visit the bank to conduct transactions must know the bank timings so as to avoid the wastage of time.
General Bank Timings in India
In India, banks usually open around 09:30 AM and close at 05:30 PM. But, there are some banks that open for 12 hours a day i.e. from 08:00 AM till 08:00 PM. Also, there are certain banks that are open for customers for only six hours i.e. from 10:00 AM to 04:00 PM. Therefore, it is advised to first find out the exact working hours of banks before visiting them.
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Major Bank Timings
| Bank | Weekdays*
(Monday to Friday) |
Saturdays*
(1st, 3rd,5th of the Month) |
| State Bank of India Bank | 9.00 AM to 3.30 PM | 9.00 AM to 3.30 PM |
| INDUSIND Bank | 9:30 AM – 3:30 PM | 9:30 AM – 3:30 PM |
| ICICI Bank | 10:00 AM – 2:00 PM | 10:00 AM – 2:00 PM |
| RBL Bank | 10:00 AM – 5:00 PM | 10:00 AM – 5:00 PM |
| Bank of Baroda | 10:00 AM – 4:00 PM | 10:00 AM – 4:00 PM |
| IDBI Bank | 10:00 AM – 4:00 PM | 10:00 AM – 4:00 PM |
| YES Bank | 9:30 AM – 4:30 PM | 9:30 AM – 4:30 PM |
| Punjab National Bank | 10:00 AM – 4:00 PM | 10:00 AM – 4:00 PM |
| Allahabad Bank | 10:00 AM – 4:00 PM | 10:00 AM – 4:00 PM |
| HSBC Bank | 10:00 AM – 4:00 PM | 10:00 AM – 4:00 PM |
* Do note that these bank timings vary from branch to branch.
RBI Bank Timings
RBI operates only on weekdays. Customers can visit the RBI during banking hours only as RBI conducts its internal work during the remaining hours. Below-mentioned is the timings of the Reserve Bank of India.
| Working Hours | 9:30 AM to 5:15 PM |
| Banking Hours | 10:00 Am to 2:30 PM |
Let us now understand the bank timings by knowing the timings of some specific banks like IndusInd Bank and Karnataka Bank. Let us first take up IndusInd Bank Timings:
| Day | Timings |
| IndusInd Bank Timings from Monday to Friday | 09:30 am to 05:00 pm |
| IndusInd Bank Timings on Sunday | Bank Closed |
| IndusInd Bank Timings on Second and Fourth Saturday | Bank Closed |
| IndusInd Bank Timings on First, Third and Fifth Saturday | 09:30 am to 05:00 pm |
*IndusInd Bank Timings can vary from one branch to another.
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INDUSIND Bank Lunch timings
IndusInd Bank lunch hour differs from branch to branch as private sector banks do not have specified time fixed for the lunch. Normally private bank employees go for lunch breaks in shifts so that customers don’t have to wait for lunch to get over.
So, because of this each and every customer can have access to banking services at any branch from 01:00 a.m. to 03:00 p.m. which gives customers an advantage of all the banking services within INDUSIND working hours.
IndusInd Bank timings for NEFT and RTGS:
NEFT transactions are processed during the time window:
| Weekdays NEFT Timings* | 08:00 AM to 07:00 PM |
| Working Saturdays NEFT Timings* | 08:00 AM to 07:00 PM |
*These are RBI NEFT transaction timings. Actual Bank timings may vary.
RTGS processing timings are:
| Weekdays RTGS Timings* | 08:00 AM to 04:30 PM |
| Working Saturdays RTGS Timings* | 08:00 AM to 04:30 PM |
*These are RBI RTGS processing times, IndusInd Bank’s RTGS processing times may vary.
Let us now take up Karnataka Bank Timings:
| Day | Timings |
| Karnataka Bank Timings from Monday to Friday | 10:00 am to 05:00 pm |
| Karnataka Bank Timings on Sunday | Bank Closed |
| Karnataka Bank Timings on Second and Fourth Saturday | Bank Closed |
| Karnataka Bank Timings on First, Third and Fifth Saturday | 10:00 am to 05:00 pm |
*Karnataka Bank Timings can vary from one branch to another.
Karnataka Bank Lunch timings
Karnataka Bank lunch hour differs from branch to branch as private sector banks do not have specified time fixed for the lunch. Normally private bank employees go for lunch breaks in shifts so that customers don’t have to wait for lunch to get over.
So, because of this each and every customer can have access to banking services at any branch from 02:00 a.m. to 02:30 p.m. which makes customers an advantage of all the banking services within Karnataka working hours.
Karnataka Bank Timings for NEFT
According to the Reserve Bank of India, there are 48 half-hourly settlement batches every day. The settlement of the first batch will commence after 00:30 hours and the last batch will end at 00:00 hours.
Karnataka Bank Timings for RTGS
Karnataka Bank opens timed windows for RTGS transactions that are available 24X7.
However, NEFT & RTGS services are available online 24*7 for 365 days. The RBI has advised all the banks to not impose any service charges on any such online transactions.
FAQ’s
-
Does the bank operate during public holidays?
Banks remain closed on the public as well as on Government holidays. Also, each state has a separate list of bank holidays that is to be followed by every bank which can be accessed by the bank calendar.
-
What are the different services that are provided and that are not provided on bank holidays?
Below mentioned are the services that are provided on the bank holidays:
- Immediate Payment Service (IMPS)
- Unified Payments Interface (UPI)
- Net Banking and Mobile Banking
- ATM services
- Cheque drop facility
Below mentioned are the services that are not provided on the bank holidays:
- National Electronic Funds Transfer (NEFT) from the branch
- Real Time Gross Settlement (RTGS) from the branch
- Any physical services that are being provided at the branch only like the opening of a bank account, updating a passbook, depositing cash, visiting for bank locker, etc.
-
Do the bank timings differ branch-wise?
Yes, the bank timings vary from branch to branch.
-
Do banks operate for half a day on the second and fourth Saturdays?
No, the banks are not operational on the second and fourth Saturdays.
